45 River St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 45 River St, Ludlow, MA 01056 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2016
Square Footage	1,260 sqft Living Area
Lot Size	10,280 sqft (0.236 acres)
Occupancy	Owner Occupied
Last Sale	$280,000 (2021)
Tax Bill	$6,090.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`M:12A-12800 B:61 L:0`
Alternative APNs	`LUDL M:12A B:12800 P:61` `7152`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,260 sqft Living Area
Gross Area	2,660 sqft Gross Area
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2016
Architectural Style	Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	10,280 sqft (0.236 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Account Number	7152
Street Address	45 RIVER ST
City	LUDLOW
State	MA
Zip	01056-2632
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	12800
Jurisdiction	LUDLOW MA
Minor Civil Division	LUDLOW
Census Blockgroup	1
Census Block	1010
Census Tract	810403

Owner

Source: Hampden County and Ludlow Town records · APN M:12A-12800 B:61 L:0

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	45 RIVER ST, LUDLOW, MA 01056-2632
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Prior Sale	Aug 14, 2009 · Amount on Record
Record Refreshed	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 15, 2021
Property Address	45 RIVER ST, LUDLOW, MA 01056-2632
Document Number	24186-326
Book / Page	24186 / 326
Instrument Date	Oct 15, 2021
Instrument	73349
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	41 BEMIS ST, CHICOPEE, MA 01013-2317

Mortgage

Document Number	73350
Date	Oct 15, 2021
Instrument	73350

Lender

Name	ALDENVILLE CU
Type	Credit Union

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Ludlow Town
Unified School District	Ludlow School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,090.00 (+6.23%)	$351,000 (+10.76%) Land $70,500 Building $280,500	$352,545 (+1.81%)
2024	$5,733.00 (+7.32%)	$316,900 (+15.74%) Land $70,500 Building $246,400	$346,275
2023	$5,342.00	$273,800 Land $58,600 Building $215,200